UCO Bank

NSE: UCOBANK  SECTOR: Bank - Public

14.42
-0.28 (-1.9%)

Price Summary

Today's High

₹ 14.9

Today's Low

₹ 14.38

52 Week High

₹ 22.2

52 Week Low

₹ 8.4

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

14302.247176924 Cr.

CASA %

43.4501321083329

No. of Shares

991.8340622 Cr.

P/E

0

P/B

0.85

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  17.0001

Net Interest Income

4311.1538 Cr.

Cost To Income %

52.6111374855262

Promoter Holding

94.44%

EPS (TTM)

₹  -2.4569

CAR %

10.7%

ROE

-45.6821907510869 %

ROCE

-24.0003493296269 %

Profit Growth

-30.1527721145982 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year-45.68%
3 Year-39.55%
5 Year-27.01%

ROA%

1 Year-1.94%
3 Year-1.57%
5 Year-1.07%

Net NPA%

1 Year9.72%
3 Year10.59%
5 Year9.03%

 NIM

1 Year2.09%
3 Year1.84%
5 Year2%

CAR %

10.7

Cost of Liabilities %

4.85838924348267

PEG Ratio

NA

Advances Growth %

-7.58925959902947

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 94.44 0
Dec 2019 93.61 0
Sep 2019 92.52 0
Jun 2019 92.52 0
Mar 2019 93.29 0
* Figures given above are % of equity capital

 Strengths

 Looks like the company does not have any notable strengths.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is -1.56526188041896%
  • Company has a low ROE of -39.5520118283406% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 10.5866666666667%.
  • Low other Income proportion of 10.5613944194214%.
  • High Cost to income ratio of 52.6111374855262%.
  • The company has very low Capital Adequacy Ratio of 10.7%.
  • The company has delivered poor Profit Growth of -23.0104749034301% over the past 3 years.
  • The company has delivered poor Income growth of -8.26073920881176% over the past 3 years.
  • Increase in Provision and contingencies of 19.4564201062597% on YoY.
  • Poor Advances growth of -7.6035725037305% in last 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
Interest Earned 3781.81 3816.53 3804.64 3770.74 3742.42
Other Income 366.71 630.08 728.87 743.47 768.78
Interest Expended 2489.85 2481.56 2538.44 2534.15 2487.91
Operating Expenses 968.11 763.61 788.03 769.55 806.7
Total Provisions 2242.58 1802.89 2099.02 2170.69 1199.82
Profit Before Tax -1552.02 -601.45 -891.98 -960.17 16.78
Tax 0 0 0 0 0
Net Profit -1552.02 -601.45 -891.98 -960.17 16.78
Net NPA % 9.72 8.98 7.32 6.34 5.45
Gross NPA % 25 24.85 21.87 19.45 16.77
Return on Assets % -2.49 -0.98 -1.41 -1.52 0.03
NPM % -41.04 -15.76 -23.44 -25.46 0.45

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Interest Earned 19358.99 18560.97 16325.8 14020.13 14330.63
Other Income 2003.54 1596.31 2114.49 1121 1513.51
Interest Expended 13796.54 13712.95 12509.02 10895.4 10019.48
Operating Expenses 2655.78 2840.94 3005.19 2911.49 3064.42
Total Provisions 3328.36 8063.49 5616.31 8224.83 9825.09
Profit Before Tax 1581.86 -4460.11 -2690.23 -6890.59 -7064.84
Taxes 444.06 -1660.85 -839.56 -2454.22 -2743.76
Net Profit 1137.8 -2799.26 -1850.67 -4436.37 -4321.08
Adjusted EPS (Rs.) 10.58 -26.03 -11.87 -19.22 -7.97

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity and Liabilities
Share Capital 1075.59 1075.59 1559.73 2308.16 5423.4
Total Reserves 11473.36 10511.36 10043.74 7517.02 8370.97
Deposits 214336.71 207118.24 201284.51 181849.28 197906.78
Borrowings 10252.54 17240.44 9534.96 12449.26 8323.68
Other Liabilities 8778.71 8001.9 7766.76 6800.45 6862.57
Total Liabilities 245916.91 244882.53 231339.71 216056.18 230484.08
Assets
Balance with RBI 8267.52 7949.96 8790.25 8125.08 8823.01
Balance with Banks 13901.45 10609.28 9309.63 6622.96 15609.09
Investments 64223.05 83974.2 74019.12 70962.15 82231.69
Advances 147350.87 125905.37 119724.45 107470.02 99313.84
Net Block 1066.27 2878.25 2843.39 2866.87 2814.3
Other Assets 11060.03 13559.09 16646.77 20000.87 21684.13
Total Assets 245916.91 244882.53 231339.71 216056.18 230484.08
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

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Company News

UCO Bank Stock Price Analysis and Quick Research Report. Is UCO Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how UCO Bank is performing and if it is the right time to buy the stock of UCO Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. UCO Bank has earned Rs 14330.6323 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -8.26073920881176 % in last 3 Years.

  • In terms of advances, the bank reported -7.58925959902947 % YOY,  fall . If you see 3 years advance growth, it stands at -7.6035725037305 %.

  • Currently the company has a CASA ratio of 43.4501321083329 %. It’s overall cost of liability stands at 4.85838924348267 %. Also, the total deposits from these accounts stood at Rs 197906.7817 Cr.

  • The Bank has a Poor ROA track record. The ROA of UCO Bank is at -1.93536095895605 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 25 % and 9.72 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 19.4564201062597 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of UCO Bank decreased and is currently at Rs 15.135146 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 10.7 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently UCO Bank is trading at a P/B of 0.84823030452762 . The historical average PB was 0.637204126555278.

Brief about UCO Bank

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